Business Loans, Home Mortgages & Personal Loans! Loans that are approved put dollars back into our own community! Reinvesting back into the communities we serve... that's the Citizens Bank of Florida difference! Member FDIC & Equal Housing Lender

Residential Loans

Select a Product below:

Citizens Bank of Florida is located just minutes from the Greater Orlando area, and offers a wide range of residential home mortgage programs at competitive rates. Whether you are looking to purchase, refinance, downsize or upgrade, we have the mortgage product tailored to meet your financial needs.

Second homes, investment property and construction/permanent loans are also available with various rates and discount point combinations.  Citizens Bank also offers some loan programs with flexible terms. You'll always be safe by checking with us first before making a loan decision, however, certain restrictions apply and subject to credit approval.

We have tailored mortgage loan programs* to meet your needs. If you don't see what you're looking for, call one of our friendly loan officers at 407-365-6611.

Citizens Bank of Florida offers home equity loan products that serve the financial needs of Central Florida. This program includes lines of credit, second mortgages, and home improvement loans. The home equity line of credit is a revolving line of credit you can access whenever you need it.

Our applications are available on the “Loan Forms” tab.


Fran Hayes
Vice President
Residential Mortgage Lender
NMLS # 461675

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S.A.F.E. Act & Nationwide Mortgage Licensing System & Registry

The Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (S.A.F.E. Act) was designed to enhance consumer protection and reduce fraud through the setting of minimum standards for the licensing and registration of mortgage loan originators. 


Citizens Bank of Florida is registered with the Nationwide Mortgage Licensing System and Registry (NMLSR) and has been issued the Unique Identifier Number (UIN) of 451390.  This number is also known as an NMLS ID number.  Citizens Bank of Florida has designated the following employees as Mortgage Loan Originators (MLOs) that have been registered with the (NMLSR).  Each has been assigned a Unique Identifier  Number (UIN) which is listed below, and is made available to the consumer by the mortgage loan originator either orally (or in writing) early enough in the relationship with the originator or by the consumer’s request.  Consumers may access the Registry at



Mortgage Loan Originator

Unique Identifier Number (NMLS ID)

Francine Lacek Hayes


Rebecca Lynn Funke


Jessica Sokoly


Deborah Jean Beers



Mortgage Loan Products:

Lot Loans:

  • Urban/Rural Lot Loans
  • Local, quick application and approval process
  • Very competitive rates

New Construction/Permanent Mortgage Loans:

  • Quick turn-around time on draw requests
  • Friendly and knowledgeable customer service

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Second Mortgage & Home Improvement Loans:

  • Various programs to choose from
  • Payments conveniently debited from checking/savings

Home Equity Products:

  • Competitive and flexible terms
  • May be established as a fixed-term or line of credit
  • Interest is generally tax deductible**

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Adjustable Rate Mortgages (ARM):

  • Available on Conventional Mortgage Loans
  • ARM features a variable interest rate which is periodically adjusted
  • Interest rates are generally lower on ARMS than fixed rate mortgages
  • ARMS may provide flexibility and affordability to potential home buyers

Long Term Residential Loans/Refinance:

  • Wide range of products and programs
  • Competitive pricing


 The trade area of this bank shall be considered Seminole County and Orange County, Florida.  

** Consult your tax advisor regarding the deductibility of interest.

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